Civic Intelligence

Harbor Group Insurance Trust

990 • Fiscal year 2014 • EIN 42-6365229

Sep 01, 2013 to Aug 31, 2014 • Filed on Mar 12, 2015

Organization ProfileN/A
PO Box 26051250

(712) 722-1660

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

87th percentile

0.56x

Higher debt load relative to assets than 87% of similar nonprofits.

2014 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

71st percentile

0.14x

Higher debt load relative to revenue than 71% of similar nonprofits.

2014 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2014

Net Margin

62nd percentile

7.8%

Higher net margin than 62% of similar nonprofits.

2014 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

52nd percentile

$0

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2014 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2014

Asset Growth

88th percentile

27%

Faster asset growth than 88% of similar nonprofits.

2014 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

84th percentile

22%

Faster revenue growth than 84% of similar nonprofits.

2014 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2012 to 2014

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$1,394,505

Up $300,028 (+27%) from 2013

Net Assets

Up

$615,505

Up $448,028 (+268%) from 2013

Liabilities

Down

$779,000

Down $148,000 (-16%) from 2013

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin62nd percentile

Revenue

$5,737,897

No earlier filing loaded for comparison.

Expenses

Up

$5,289,869

Up $829,997 (+19%) from 2013

Net Income

$448,028

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $1,063,365Liabilities 2011: $1,048,000Net Assets 2011: $15,3652011Assets 2012: $984,656Liabilities 2012: $945,087Net Assets 2012: $39,5692012Assets 2013: $1,094,477Liabilities 2013: $927,000Net Assets 2013: $167,4772013Assets 2014: $1,394,505Liabilities 2014: $779,000Net Assets 2014: $615,5052014Assets 2015: $1,845,050Liabilities 2015: $49,861Net Assets 2015: $1,795,1892015Assets 2016: $877,903Liabilities 2016: $87,374Net Assets 2016: $790,5292016Assets 2017: $896,195Liabilities 2017: $242,812Net Assets 2017: $653,3832017Assets 2018: $776,515Liabilities 2018: $212,941Net Assets 2018: $563,5742018Assets 2019: $675,620Liabilities 2019: $254,138Net Assets 2019: $421,4822019Assets 2020: $1,133,978Liabilities 2020: $100,725Net Assets 2020: $1,033,2532020Assets 2021: $1,977,481Liabilities 2021: $69,765Net Assets 2021: $1,907,7162021Assets 2022: $2,228,974Liabilities 2022: $347,907Net Assets 2022: $1,881,0672022Assets 2023: $2,431,283Liabilities 2023: $78,437Net Assets 2023: $2,352,8462023Assets 2024: $3,847,073Liabilities 2024: $1,380,703Net Assets 2024: $2,466,3702024

Highlighted filing

2014

Assets$1,394,505
Liabilities$779,000
Net Assets$615,505
Open 2014 Filing

Operations Trend

Revenue Growth84th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0-$5.0MRevenue 2011: $3,919,864Expenses 2011: $4,034,974Net Income 2011: -$115,1102011Revenue 2012: $3,850,878Expenses 2012: $3,826,674Net Income 2012: $24,2042012Expenses 2013: $4,459,8722013Revenue 2014: $5,737,897Expenses 2014: $5,289,869Net Income 2014: $448,0282014Revenue 2015: $4,370,522Expenses 2015: $3,969,838Net Income 2015: $400,6842015Revenue 2016: $3,517,987Expenses 2016: $4,522,647Net Income 2016: -$1,004,6602016Revenue 2017: $5,196,405Expenses 2017: $5,333,551Net Income 2017: -$137,1462017Revenue 2018: $6,293,751Expenses 2018: $6,383,560Net Income 2018: -$89,8092018Revenue 2019: $7,743,356Expenses 2019: $7,885,448Net Income 2019: -$142,0922019Revenue 2020: $10,456,602Expenses 2020: $9,844,831Net Income 2020: $611,7712020Revenue 2021: $10,385,047Expenses 2021: $9,510,584Net Income 2021: $874,4632021Revenue 2022: $10,658,848Expenses 2022: $10,685,497Net Income 2022: -$26,6492022Revenue 2023: $12,778,981Expenses 2023: $12,307,202Net Income 2023: $471,7792023Revenue 2024: $14,448,922Expenses 2024: $14,335,398Net Income 2024: $113,5242024

Highlighted filing

2014

Revenue$5,737,897
Expenses$5,289,869
Net Income$448,028
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Sep 1, 2013 to Aug 31, 2014
Signed
Mar 12, 2015
Return Version
2013v4.0
Gross Receipts
$5,737,897
Mission and Program Overview

Mission

To effectuate employee health, dental, vision, lt and st disability & death benefits for employees & eligible dependents.

provide health, death and other employee benefits

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,017,132$1,338,203▲ $321,071
Rtn Earn Endowment Incm Other Fnds$167,477$615,505▲ $448,028
Accounts Receivable$77,345$56,302▼ $21,043
Total Assets$1,094,477$1,394,505▲ $300,028
Liabilities
Accounts Payable and Accrued Expenses$927,000$779,000▼ $148,000
Total Liabilities$927,000$779,000▼ $148,000
Net Assets / Fund Balance
Total Net Assets Fund Balance$167,477$615,505▲ $448,028
Total Liabilities and Net Assets / Fund Balance$1,094,477$1,394,505▲ $300,028
Compensation and Service Providers
Top Officer Pay52nd percentile

Board Members and Trustees

NameTitle
Ron HeemstraTrustee
Scott PetersonTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,735,151
Investment Income
$2,746
Other Revenue
$0
Change in Net Assets
$448,028

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,737,897
Total Revenue per Audited Statements
$5,737,897
Total Revenue per Form 990
$5,737,897
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$223,210
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$5,066,659--$5,066,659
Other Expenses-$1,104-$1,104
Total Functional Expenses$5,066,659$223,210$0$5,289,869

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$5,437,869
Total Expenses per Form 990$5,289,869
Expenses per Audited Statements$4,510,869
Expenses Not Reported on Form 990$927,000
Expenses Not Reported on Financial Statements$779,000
Other Expense Adjustments$779,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
42-6365229
Phone
7127221660

Signing Officer

Name
Ronald Heemstra
Title
Trustee
Phone
7127221660
Signed
2015-03-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ronald Heemstra
Formed
1984
Legal Domicile
Ia
Voting Board Members
2
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Preparer
Scott Bieber
Phone
7122524309
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“Trustee reads before signing.”

Pt VI, Line 19

“No documents available to the public.”

Pt VI, Line 2

“Ron Heemstra and Scott Peterson business relationship.”

Pt VI, Line 7A

“Harbor Group, Inc. may remove and appoint trustees.”

Pt VI, Line 7B

“Harbor Group, Inc. may remove trustee or terminate trust.”

part XII line 2B

“The trust's financial statements are included in the”

part XII line 2B

“Harbor Group Comprehensive Health and Welfare Plan”

part XII line 2B

“audited financial statements.”

Financial Statement Notes

Pt XII Line 2D

“8-31-13 Health & Dental Benefits Payable”

Pt XII Line 4B

“8-31-14 Health & Denatl Benefits Payable”

Raw XML Appendix309 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum07127221660
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10HARBOR GROUP INSURANCE TRUST
ReturnHeader/Filer/BusinessNameControlTxt0HARB
ReturnHeader/Filer/EIN0426365229
ReturnHeader/Filer/PhoneNum07127221660
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 260
ReturnHeader/Filer/USAddress/City0SIOUX CENTER
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode051250
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Nichols Rise & Company LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10302 Jones St Suite 320
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Sioux City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode051101
ReturnHeader/PreparerPersonGrp/PhoneNum07122524309
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SCOTT BIEBER
ReturnHeader/ReturnTs02015-03-16T12:52:47-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-09-01
ReturnHeader/TaxPeriodEndDt02014-08-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,394,505
Liabilities
$779,000
Net assets
$615,505
Revenue
$5,737,897
Expenses
$5,289,869
Net income
$448,028
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.85$1.38$2.47$14.4$14.3$0.11
2023Summary only. Only limited summary data is available for this year.$2.43$0.08$2.35$12.8$12.3$0.47
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.23$0.35$1.88$10.7$10.7$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.98$0.07$1.91$10.4$9.51$0.87
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.10$1.03$10.5$9.84$0.61
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.68$0.25$0.42$7.74$7.89$0.14
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.78$0.21$0.56$6.29$6.38$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.90$0.24$0.65$5.20$5.33$0.14
2016Detailed filing. Detailed filing data is available for this year.$0.88$0.09$0.79$3.52$4.52$1.00
2015Detailed filing. Detailed filing data is available for this year.$1.85$0.05$1.80$4.37$3.97$0.40
2014Detailed filing. Detailed filing data is available for this year.$1.39$0.78$0.62$5.74$5.29$0.45
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.09$0.93$0.17$4.46
2012Summary only. Only limited summary data is available for this year.$0.98$0.95$0.04$3.85$3.83$0.02
2011Summary only. Only limited summary data is available for this year.$1.06$1.05$0.02$3.92$4.03$0.12